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This book introduces readers to recent advancements in financial technologies. The contents cover some of the state-of-the-art fields in financial technology, practice, and research associated with artificial intelligence, big data, and blockchain—all of which are transforming the nature of how products and services are designed and delivered, making less adaptable institutions fast become obsolete. The book provides the fundamental framework, research insights, and empirical evidence in the efficacy of these new technologies, employing practical and academic approaches to help professionals and academics reach innovative solutions and grow competitive strengths.
This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.
This book, written jointly by an engineer and artificial intelligence expert along with a lawyer and banker, is a glimpse on what the future of the financial services will look like and the impact it will have on society. The first half of the book provides a detailed yet easy to understand educational and technical overview of FinTech, artificial intelligence and cryptocurrencies including the existing industry pain points and the new technological enablers. The second half provides a practical, concise and engaging overview of their latest trends and their impact on the future of the financial services industry including numerous use cases and practical examples. The book is a must read for any professional currently working in finance, any student studying the topic or anyone curious on how the future of finance will look like.
In these highly competitive times and with so many technological advancements, it is impossible for any industry to remain isolated and untouched by innovations. In this era of digital economy, the banking sector cannot exist and operate without the various digital tools offered by the ever new innovations happening in the field of Artificial Intelligence (AI) and its sub-set technologies. New technologies have enabled incredible progression in the finance industry. Artificial Intelligence (AI) and Machine Learning (ML) have provided the investors and customers with more innovative tools, new types of financial products and a new potential for growth.According to Cathy Bessant (the Chief Operations and Technology Officer, Bank of America), AI is not just a technology discussion. It is also a discussion about data and how it is used and protected. She says, "In a world focused on using AI in new ways, we're focused on using it wisely and responsibly."
FinTech is encouraging various new practices, such as diminishing the use of cash in different countries, increasing rate of mobile payments, and introducing new algorithms for high-frequency trading across national boundaries. It is paving the way for new technologies emerging in the information technology scene that allow financial service firms to automate existing business processes and offer new products, including crowdfunding or peer-to-peer insurance. These new products cater to hybrid client interaction and customer self-services, changing the ecosystem by increasing outsourcing for focused specialization by resizing and leading to new ecosystems and new regulations for encouraging FinTech. However, such new ecosystems are also accompanied by new challenges. Innovative Strategies for Implementing FinTech in Banking provides emerging research exploring the theoretical and practical aspects of technology inclusion in the financial sector and applications within global financing. It provides a clear direction for the effective implementation of FinTech initiatives/programs for improving banking financial processes, financial organizational learning, and performance excellence. Featuring coverage on a broad range of topics such as artificial intelligence, social financing, and customer satisfaction, this book encourages the management of the financial industry to take a proactive attitude toward FinTech, resulting in a better decision-making capability that will support financial organizations in their journey towards becoming FinTech-based organizations. As such, this book is ideally designed for financial analysts, finance managers, finance administrators, banking professionals, IT consultants, researchers, academics, students, and practitio
Flourish by Design brings together a range of established and emerging voices in design research for a collection that provides original provocations on topics of global significance. It is an insightful guide to original theory and practice concerning how we can design for a better tomorrow. Featuring contributors from a diverse array of backgrounds and professions, this edited book explores the difference that design and design research can make for people, organisations, and the planet to prosper now and in the future. It offers a range of ideas and techniques through practical examples and ongoing projects showing how applied design research can respond to global challenges. Covering topics as diverse as artificial intelligence, bio-inspired materials, more-than-human design, sustainability, and urban acupuncture, it shares interdisciplinary and transdisciplinary design research not just to demonstrate what could be plausible in the near future but also to explain why it might be preferable. By sharing these despatches, this collection represents the very best of what design research can do, explaining how and why. This book is intended for a wide audience of professionals, scholars, and students in design, architecture, and public policy, as well as anyone who has an interest in how we design the world and, in turn, it designs us.
This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.
Convergence of Blockchain, AI, and IoT: Concepts and Challenges discusses the convergence of three powerful technologies that play into the digital revolution and blur the lines between biological, digital, and physical objects. This book covers novel algorithms, solutions for addressing issues in applications, security, authentication, and privacy. The book provides an overview of the clinical scientific research enabling smart diagnosis equipment through AI. It presents the role these technologies play in augmented reality and blockchain, covers digital currency managed with bitcoin, and discusses deep learning and how it can enhance human thoughts and behaviors. Targeted audiences range from those interested in the technical revolution of blockchain, big data and the Internet of Things, to research scholars and the professional market.
FinTech and the Remaking of Financial Institutions explores the transformative potential of new entrants and innovations on business models. In its survey and analysis of FinTech, the book addresses current and future states of money and banking. It provides broad contexts for understanding financial services, products, technology, regulations and social considerations. The book shows how FinTech has evolved and will drive the future of financial services, while other FinTech books concentrate on particular solutions and adopt perspectives of individual users, companies and investors. It sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts. - Presents case studies that depict the problems, solutions and opportunities associated with FinTech - Provides global coverage of FinTech ventures and regulatory guidelines - Analyzes FinTech's social aspects and its potential for spreading to new areas in banking - Sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts
Now in its ninth edition, Air Transportation: A Global Management Perspective by John Wensveen is a well-proven, accessible textbook that offers a comprehensive introduction to the theory and practice of air transport management. In addition to explaining the fundamentals, the book transports the reader to the leading edge of the discipline, using past and present trends to forecast future challenges and opportunities the industry may face, encouraging the reader to think deeply about the decisions a manager implements. The word "Global" has been added to the subtitle for this edition, reflecting an increased emphasis on worldwide operations, including North America, Latin America/Caribbean, Europe, Asia-Pacific, the Middle East, and Africa. The ninth edition focuses on the "Age of Acceleration," addressing trends related to emerging technologies, such as autonomy, artificial intelligence, augmented reality, virtual reality, 3-D printing, data analytics, blockchain, cybersecurity, etc. New material includes extra information on airport management and operations, air carrier business models, aviation risk, safety and security, and how changing political landscapes impact the aviation industry. Enhanced content is supported by the addition of new chapters and online supplemental resources, including PowerPoint presentations, chapter quizzes, exam questions, and links to online resources. This wide-ranging textbook is appropriate for nearly all aviation programs that feature business and management. Its student-friendly structure and style make it highly suitable for modular courses and distance-learning programs, or for self-directed study and continuing personal professional development.